Homeowners insurance can help you protect many different aspects of your home. Most policies include some standard policy coverage, but you can also select from many optional types of coverage to help protect the things that are important to you.
Taking the time to understand what types of homeowners insurance coverage are included in your policy can help you understand what it protects. With a homeowners policy from Couch and Associates homeowners policy you should have coverage like:
Dwelling (home structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
Guest medical protection
This type of coverage can help cover the cost of medical expenses for a person who’s injured on your property.
Standard homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased living costs like hotel stays in the event your home is uninhabitable after a covered loss.
You can choose from many different optional coverage types that can help protect your home, your belongings and your family beyond the standard home insurance coverage types. An example of an optional coverage you could choose is identity restoration coverage, which can offer added protection in the event your identity is stolen.
You can add optional coverage to your homeowners policy, but you can also purchase separate insurance policies that offer more protection. Flood protection is not included in most home insurance policies, so to get it, you’ll likely need to purchase flood insurance. You can also get liability protection beyond your current home and auto policy limits with personal umbrella insurance.
Insurance, coverage and discounts subject to terms, conditions and availability. Discount amounts and total savings vary by state and coverages selected.
When you purchase a homeowners insurance policy with us, you’ll automatically get exceptional features like quality protection and the support of a knowledgeable agent. But you can also enhance your homeowners policy with features that may help you save money on your premium and earn rewards.